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    Regional banks
Kraft Bank ASA

Kraft Bank ASA

1.22
EUR
+0.01
(+0.41%)
47.01MMarket Cap
Oct 23Next Earn
Kraft Bank ASA
FRA:709
(Frankfurt Stock Exchange)

Recent

price

1.22

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
2022
2023
2024
2025
TTM
NOK
0.19
1.17
2.08
3.12
3.49
3.3
3.58
5.09
- -
Revenue per Share
-0.26
0.19
0.64
1.1
1.11
1.01
0.66
1.55
- -
Basic EPS, GAAP
-0.21
0.34
1.09
1.4
1.72
2.79
3.56
5.55
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.25
- -
0.3
0.37
- -
Dividend per Share
6.7
6.94
7.58
8.68
9.53
10.53
10.89
12.17
12.41
Book Value per Share
6.6
6.87
7.5
8.56
9.4
10.43
10.64
11.88
12.08
Tangible Book Value per Share
42
42
42
42
42
42
42
42
32
Basic Weighted Avg Shares
8
49
87
131
147
139
150
214
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
3
3
4
4
5
6
9
- -
Depreciation Expense
-11
8
27
46
46
42
28
65
- -
Net Income, GAAP
- -
25.18
25.01
25.05
25.14
25.12
25.31
25.17
- -
Effective Tax Rate (%)
-138.35
15.83
30.71
35.33
31.71
30.56
18.35
30.41
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
2
1
4
44
44
44
48
47
LT Debt
281
291
318
364
400
442
457
507
508
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
2.72
8.77
13.43
11.43
9.1
5.58
12.32
- -
Return on Capital (%)
- -
2.73
8.82
13.55
12.15
10.05
6.13
13.49
- -
Return on Common Equity (%)

Capital Structure

NOK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
42
42
41
Market Capitalization
462
550
531

Working Capital

NOK

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

NOK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
9.82%
10.82%
Free Cash Flow
- -
39.43%
55.86%
Net Income, GAAP
- -
32.96%
135.99%
Sales/Revenue/Turnover
- -
21.38%
42.36%
Total Cash Common Dividend
- -
- -
23.33%

Quarterly Revenue

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
33
32
37
46
150
2025
- -
52
- -
59
214
2026
65
56
- -
- -
- -

Quarterly Earnings Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
0.06
0.27
0.25
0.66
2025
- -
0.39
- -
0.47
1.55
2026
0.45
0.32
- -
- -
- -

Quarterly Dividends Per Share

NOK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.3
2025
- -
- -
- -
- -
0.37
2026
- -
- -
- -
- -
- -
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Business
Kraft Bank ASA is a Norwegian specialized niche bank that provides refinancing, retail banking, and loan brokerage solutions to individuals facing complex or challenging personal financial situations. Founded in 2016 and commencing banking operations in 2018, the company is headquartered in Sandnes, Norway, and is listed on Euronext Growth Oslo under the ticker symbol KRAB. Kraft Bank ASA operates primarily in Norway across two core business segments: Banking and Loan Brokerage. The company offers a systematic portfolio of lending, savings, and advisory products, including: secured refinancing loans backed by residential real estate to consolidate high-cost consumer debt, tax arrears, and payment defaults; unsecured personal loans and specialized restart financing; high-yield retail deposit accounts and notice-based savings products protected under the Norwegian Banks Guarantee Fund; and personal financial advisory and debt restructuring services designed to transition clients back into conventional banking. The bank originates its credit facilities through direct digital platforms and an extensive nationwide network of third-party loan brokers and financial agents. In recent developments, Kraft Bank ASA enhanced its capital allocation and shareholder return strategy by adopting an updated dividend policy targeting the distribution of up to 100 percent of annual net profits via semi-annual tranches, supported by significant net interest margin expansion and record net profit growth across its core refinancing portfolio, while continuing its operational focus on disciplined organic loan book expansion in the Norwegian market.